The answer to your question depends on what you need to help build your business. You can convert your MRP into the most VP by purchasing 1 T-Credit for 126 MRP. This gives you 102 sales VP as well as the opportunity to earn 1 Action VP when you use that T-Credit for an auction bid or a game entry. You can also use those MRP to purchase PSA's either from SFI or from an ECA. It just takes more accumulated MRP to be able to make those purchases.